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'She wanted us to be in charge of our destiny': Chrissy Amphlett granted dying wish as I Touch Myself becomes breast cancer awareness anthem
Chrissy Amphlett has finally been granted her dying wish - for her band Divinyls' huge hit I Touch Myself to become an anthem for breast cancer awareness.
The Australian rock band's sassy frontwoman tragically died at the age of 53 from the disease almost one year ago, on 21 April 2013, after a long battle with cancer and multiple sclerosis.
The number one song, which was partly written by Chrissy and caused somewhat of a controversy when released in 1990, now has a powerful new music video featuring her cousin Little Pattie and cancer survivor Olivia Newton-John.
Dying wish: The late Chrissy Amphlett, seen here on stage in 2010, wanted her biggest hit I Touch Myself to become a breast cancer awareness anthem
The black and white promo, commissioned by Cancer Council NSW, is campaigning for routine self-examination among women to spot any lumps or changes in the look or feel of their breasts early.
Deborah Conway, Connie Mitchell, Suze DeMarchi, Sarah Blasko, Sarah McLeod, Kate Ceberano, Megan Washington and Katie Noonan also lend their support in the video.
in an emotional article for The Sunday Telegraph this week, Chrissy's widower Charley Drayton said: 'She would have wanted us to be more in touch with ourselves and to listen to what's going on inside physically, and to be more in charge of our destiny and not wait for doctors or advisers to be in charge of us.'
Scroll down for original I Touch Myself video
Supporters: Cancer survivor Olivia Newton-John, left. and Chrissy's cousin Little Pattie, right, feature in the new video for I Touch Myself
A mammogram and ultrasound did not detect Chrissy's cancer and it was only when she self-examined that she returned to the doctor to insist on a biopsy.
She was finally diagnosed in 2010 after the biopsy.
On the first anniversary of her passing, Charley revealed her death is still 'surreal' to him.
He said: 'All you want to do is wake up and discover this was all a bad dream, and somehow you'll both have the strength to pull through it… I still can't believe it happened. It's all still so fresh to me.'
Chrissy and Charley first met in 1989 in California when musician Charley was asked to help work on Divinyls' new album, which would feature I Touch Myself.
Standing up to cancer: Australian pop singer Connie Mitchell is just one of the female stars taking part in the I Touch Myself campaign
Lending their talents: Singers Suze DeMarchi and Sarah McLeod will also be part of the new promo
They married in 1999 after years of incredibly close friendship.
But Charley explains he was hooked from the moment he met her: 'I'd never seen sexy in that way and someone who was so full of life.'
And he revealed that their mutual love of music formed a strong bond between them.
Divinyls released six albums between 1982 and 1996, after forming in Sydney in 1980.
Campaigning: 28-year-old Megan Washington is supporting Chrissy Amphlett's wish
Together: Stars Katie Noonan, left, and Deborah Conway, right, have teamed up with the rest of the women
The band, which primarily consisted of vocalist Chrissy and guitarist Mark McEntee - with whom Chrissy had a fiery relationship - were at their peak in 1991 with the success of I Touch Myself.
The single reached No 1 in Australia, No 4 in the U.S., and No 10 in the UK.
After the band informally split in 1997 Chrissy concentrated on her solo career and wrote her autobiography, Pleasure And Pain: My Life, while living with husband Charley in New York.
The I Touch Myself Project will launch on Monday with the release of the music video. It is just the latest high-profile campaign to raise awareness about the disease.
Helping out: Kate Ceberano, 47, is another Australian singer on board with the project
In 2014, it is estimated that over 15,000 Australian women and around 100 men will be diagnosed with breast cancer. Nearly 3000 of those diagnosed will die.
Tens of thousands of women recently took to posting photos of their make-up free faces online, alongside a donation, which helped raise millions for cancer charities across the world.
Cancer Council Australia was overwhelmed with public support following the viral #nomakeupselfies phenomenon. with more than $65,000 raised.
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Why pay so much more to stay inside the Grand Canyon National Park when you can save some money at this lovely hotel which is situated just a few minutes drive to the gate entrance of the park. Lots of shops and restaurants nearby. Room was large, clean and beds were comfortable. Very quiet even though hotel was fully booked. Plenty of parking although it might be difficult to find a spot near your room. Hotel consists of several blocks. Restaurant, shops, reception, breakfast room, laundry and everything else is in the main building so ask for a room in main building if you don't want to walk too far. Only the main building has elevator.
Staff at reception were very helpful and professional. There is also a travel desk where you could get maps, information and book helicopter rides etc.
Great Breakfast in a very large and spacious room enough for all guests. For dinner, we ate at the Coronado Room restaurant within the hotel. Food was good but a bit expensive as serving portion was small. Good value though if you catch the early bird dinner special.
Another great feature of this hotel is the games arcade with pool tables and bowling. What a super idea to have this in the hotel. In the evenings, there is really nothing much to do in Tusayan so it was fun to be able to enjoy these facilities. The bowling was very popular among the many families staying at the hotel.
Would definitely stay here again and absolutely highly recommended.
- Official Description (provided by the hotel):
- At the BEST WESTERN PREMIER Grand Canyon Squire Inn, we're proud to be the finest property at The Grand Canyon in Tusayan, Arizona. Moments away from the South Rim entrance to Grand Canyon National Park, our property offers all the amenities you expect and deserve from a fine hotel. We are pleased to provide you with the ultimate Grand Canyon hotel experience. Allow us to anticipate your every need here at the South Rim, the heart of Grand Canyon's National Park. By day, let your senses come alive in the unique ecosystem of the Grand Canyon and the high desert of the Coconino Plateau. By night, come home to the genteel oasis of the Best Western Grand Canyon Squire Inn. Whether your trip to the canyon is a once-in-a-lifetime adventure or a much needed escape to nature, make us your first and only choice for lodging. Our warm, relaxed ambiance is the perfect end to a day in the magnificent American Southwest. With a variety of dining and entertainment choices on our expansive grounds, we're sure to please guests of all ages. Our array of guest services, magnificent art collection, fireside lounge and Family Fun Center will make us your favorite place to unwind. Our beautifully appointed rooms were designed with your complete comfort in mind. At our Grand Canyon hotel, you can experience an exquisite sunset, relax under the stars and wake up to a spectacular sunrise when lodging with us. The Best Western Grand Canyon Squire Inn offers an unexpected grandeur, uniquely suited to a Grand Canyon South Rim hotel. We promise you a remarkable, memorable experience at the Grand Canyon, one of the premier world heritage sites. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Booking.com, Expedia, Hotwire, Hotels.com, Travelocity, Priceline, TripOnline SA, Odigeo, Best Western + Iniative and Cheap Tickets so you can book your BEST WESTERN PREMIER Grand Canyon Squire Inn reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Best Western Premier Grand Canyon Squire Hotel Tusayan
- Best Western Tusayan
- Best Western Grand Canyon Squire Inn
- Tusayan Best Western
- Best Western Grand Canyon National Park
- Grand Canyon National Park Best Western

subset: commoncrawl


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Super Bowl XLVI: Who Will Win & Square Pools 0 commentsFeb 4, 2012 4:19 PMWho Will Win the Big Game?
Our goal in "Who Will Win the Big Game?" is to quantify several key factors related to sports psychology. Our "quant facts" focus on championship factors such as minimizing errors, consistency, confidence, and experience. Although these traits differ somewhat from popular approaches and sometimes select underdogs, the published selections from our book's blog have been correct more than 60% of the time.
In this year's article, we also looked at momentum -- based on the New York Giant's surge during the playoffs. Our analysis was picked up by the New York Times.
Read more here:
Super Bowl Square Pools
Our article on Super Bowl Square Pools is from two years ago -- but has been popular. If you are in a square pool, the probabilities are interesting:
To see how various combinations of numbers have fared, based on every quarter of the past 43 Super Bowls, we computed the probability for each square to win at the end of each quarter. To inform our calculations, we also took into account which team was favored to win.Read more here:
Financial and investing articles by Carlton Chin
Diversification: Active vs. Passive Management
Managed Futures & Commodities: 2012 Outlook
Carlton Chin, CFA, is chief investment officer and head of research at CARAT / Adamah Capital, an alternative asset manager focused on quantitative investment strategies, commodities, and managed futures. Carlton is a specialist in strategic asset allocation, portfolio optimization, systematic trading approaches, and risk management.
Jay Granat, PhD, psychotherapist, is founder of StayInTheZone.com and has coached athletes at all levels, including professional athletes and an Olympic gold medalist. Jay was named one of America's top mental gurus by Golf Digest.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.Back To Carlton Chin, CFA's Instablog HomePage »
Instablogs are blogs which are instantly set up and networked within the Seeking Alpha community. Instablog posts are not selected, edited or screened by Seeking Alpha editors, in contrast to contributors' articles.Full index of posts »
2014 Super Bowl Square Pool Probabilities By Quarter http://seekingalpha.com/p/1k6k9 Jan 28, 2014
2014 BCS: Auburn Vs. Florida State http://seekingalpha.com/p/1iqht Jan 6, 2014
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Morning Shots: The End Of The Decade And The Return Of 'Charlie's Angels'
• The Telegraph has its list of 100 Books That Defined The Decade. There's going to be a lot of this over the next couple of months, rest assured.
• Want more end-of-decade coverage? In The New York Times Magazine, critic A.O. Scott talks about important films of the decade and the first movie review he ever wrote.
• Returning to The Telegraph, Bookninja linked to this discussion of the historically respected writing that would fail under computer grading.
New "angels," bigger Comcast, and a Salon update, after the jump.
• Salon.com has been around a long time, trying a lot of different ways of making money. Here's an update on their recent redesign and how things are going.
• ABC is reportedly very close to producing a new version of Charlie's Angels. Because really, what's more timely than three women answering to a faceless male authority figure?
• More thoughts from The Hollywood Reporter about what it might mean if Comcast, if expected, gains a controlling interest in NBC Universal. The answer? Even more control over the viewer's experience in the hands of a single company.
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Simon is the CEO of Responsible Investment Association Australasia, the peak industry body for responsible and ethical investors across Australia and New Zealand. RIAA represents 165 members who manage over $1 trillion of assets globally – ranging from large super funds and asset managers to financial advisers and research houses. RIAA works to see more capital flowing into sustainable assets and enterprises, working with members to both increase the uptake and deepen the impact of responsible investment.
Simon operates at the intersection of economics, finance and sustainability and has over 15 years of international experience as an economic adviser, investment analyst and environmental consultant, across finance, corporate and not for profit sectors.
Prior to joining RIAA as CEO in early 2013, he spent over five years at the Australian Conservation Foundation (ACF) as their Economic Adviser. In particular he led the debate on issues such as financing the transition to a low carbon economy working
ICKY DEBT – I am talking about store cards and credit cards. Let's get rid of them and get you on track to a healthier financial you!
- Google "best credit card balance transfers" and choose the longest term for the lowest interest rate. The term is more important that the interest rate, or the fees. The longer the term the more time you are giving yourself to get rid of bad debt. Transfer the balance of your card and cut up both or all of your credit cards. You might find that banks will only transfer 75% of your credit card debt. Do the research and find the best deal. It's the best shopping you will ever do for yourself.
- Cut up your new and old credit cards. You can't reduce ugly debt and keep accumulating it at the same time! If you have ugly debt then you haven't been living within your means. Get rid of all temptation to overspend.
- Get a direct debit card and go on a cash diet. That way you simply cannot spend more than you earn.
- Pay off whatever is left on your high interest credit cards first, the 25% that may not have been transferred across to the lower interest rate card.
- Divide the amount of money owing on the low balance credit cards by the months you have on the low rate and set up a direct debit to pay that amount off each month. If you can't manage to pay off the debt within the time period, do the best you can and then repeat the process.
- Look at your spending patterns. Where your money is going is the first step to saving money. Cut costs wherever you can. Keep reducing your bills. There are always ways to save more money. ASIC Smart Money website has a great budget spreadsheet.
- Never pay full price for anything, better still don't buy clothes or go on expensive holidays until your ugly debt is paid off.
- Think before you buy everything.
- Don't eat out, or if you have to, go out for breakfast, or have a picnic somewhere beautiful. It's cheaper.
- Have long range vision and be patient. See yourself without having credit card debt. What is that going to feel like? Imagine it.
By Nicole Heales – Dip F.A (Sec Inst) MComm Dist (F.P) Cert IV
Find out more about Nicole, one of our Trusted Advisors, here.
If you care about your health and wellbeing, then you probably have a plan in place to help you reach your goals.
In the same way, it makes sense to support your financial health with a range of 'good habits'.
Your super is one of the most significant investments you'll make in your lifetime.
Here are five simple steps you can take to ensure your super account is the healthiest it can be:
- Consolidate (or roll over) your super into one account to avoid multiple fees and their impact on your super balance. You'll also help reduce your paperwork and carbon footprint by cutting down the amount of mail you get.
- Find lost super — this is vital if you've ever changed your job, name or address. Millions of Australians currently have unclaimed super. Useful websites are gov.au/superseeker and unclaimedsuper.com.au Best of all, it's free to find your lost super!
- Put a little away now to benefit later in life by making voluntary before-tax contributions (also known as salary sacrifice) to your super. You may reduce your taxable income and contributions may be taxed at a lower rate than your income. Just remember, annual contribution caps apply.
- Take advantage of the government co-contribution scheme to receive 50 cents for every $1 you contribute (after tax) to your super — up to a maximum of $500. The maximum co-contribution reduces with every dollar you earn over $35,454, and cuts out after $50,454. Visit gov.au/super to find out if you're eligible.
- Make an active choice about your investment options to reflect the level of risk you're comfortable with and your retirement goals. Visit your super fund's website to find out your options.
With thanks to one of our Supporting Partners, HESTA, for this post.
With more than 25 years of experience and $33 billion in assets, more people in health and community services choose HESTA for their super.
Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL 235249, the Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. Before making a decision about HESTA products you should read the relevant Product Disclosure Statement (call 1800 813 327 or visit hesta.com.au for a copy), and consider all relevant risks (hesta.com.au/understandingrisk).
Worried about a big bill hitting you expectedly? Finding you're looking at a scary low bank balance too often? This could be highlighting the importance of a household cash flow. Planning your cash flow will help you get ahead of the ins and outs in the bank account that lead to money worries.
What is a cash flow?
A cash flow or cash flow budget is a plan that sets out all of the planned sources and uses of cash. It's usually set up by month, so you can see if there are any points during the year when you'll be particularly short of cash.
What does a cash flow look like?
A typical cash flow has a column for each month, usually laid out in a simple spreadsheet tool. At the top, the template shows all of the expected incoming cash: income, tips, commissions, tax refunds or any other sources. Below that, cash outlays are detailed: outlays on food, transport and other incidentals. Bills that you expect to pay will also be shown in this section, based on when the payments are made. For example, an annual insurance bill is shown entirely within the month when the payment is due.
At the bottom, you'll be able to calculate the net cash income/outflow for the month. By starting with a current bank account balance, it's then very easy to project the balance over the rest of the year. In doing so, you'll know if you're ever too close to the line. And you'll have something to check your balance against, for a very real-time measure of how well you're sticking to your plan.
Lately I find myself pondering the idea I've started calling The Tomorrow Bucket.
The Tomorrow Bucket is a simple concept:
It's the bucket of money (super, bank savings, property, business value) you will have "tomorrow" to meet your needs and wants (assuming that you won't work forever). Obviously, if you never put anything in there, or constantly take stuff out, the bucket will never fill up.
When I say tomorrow, It's not so much as in 'tomorrow' the day after today, but really it could be any day after that. Maybe it's in thousands of Tomorrows time.
The thing is, Tomorrow comes about so very quickly. We all sit back and wonder where the time went, where did the years go?.
I've met a number of people lately who have arrived at, or are nearing their Tomorrow (retirement, redundancy, ill health etc) and found their bucket was empty – they spent it all yesterday when times were good. These people are stressed and regretful of missed opportunities. They are annoyed they didn't think ahead.
In my experience, many people do add a little to the bucket over time (at the very least our employers pay into our superannuation), but then find out that what's in there is not quite enough to fulfill their needs or expectations – so their Tomorrows are unenjoyable and they spend their time frustrated about what could've been.
Of course we all know those fortunate people who through good luck or good management have a bucket that seems overflowing and bottomless.
But for the most, we have to make a conscious effort and plan to fill the bucket over time, sometimes dipping in when needed, but still with a commitment to keeping it full enough for Tomorrow. Making long term investments and regular savings will get us there.
For example, saving just $20 each week with a 5% rate of return will give you over $132,000 after 40 years. That's nearly $91,000 of interest!
Although life shouldn't be about sacrificing every today for a possible tomorrow, we should all be able to make smart and often simple choices each day, month or year to give ourselves a shot at reaching Tomorrow with a bucket full enough to reach our dreams.
For me personally…. In my "Tomorrow":
- I want to give my kids a sound education and some extra-curricular and travel experiences to open and broaden their minds (and I'll probably need to buy them a car to drive)
- I'd love to see some of the worlds amazing places with my hubby,
- I'd love to establish and nurture a beautiful garden and veggie patch,
- I want to do more for charity.
How can I do all this without throwing some money into The Tomorrow Bucket today?
A drop of water every day might be a safer bet than hoping it pours just when you need it.
By Casey Kropman
Casey Kropman BComm, Dip FP, CFP, SSA
Authorised Representative No. 417236
Total Financial Solutions Australia Pty Ltd AFSL 224954
Find out more about, or get in touch with, Casey, here.
If you've racked up a hefty credit card bill over the past few months and you're wondering if you should take up a balance transfer credit card, there's a few things to consider.
Firstly, what is a balance transfer?
A balance transfer lets you take the balance you owe on an existing credit card and transfer it over to a new credit card.
How does that help?
Balance transfer offers often come with a special interest rate that lasts for a specific period of time. For example, a credit card provider might offer you 0% p.a. for 12 months on balances transferred. Why pay 20% p.a. in interest when paying off your credit card debt, when you can pay zero? That means more of your monthly payments can go towards paying off your debt, instead of going towards interest.
What's the downside? Is it really reducing my debt?
As with all credit products, you need to pay attention to the specific conditions of each balance transfer offer. Here are some things to look out for if you're looking to reduce your debt:
- Some credit card providers will charge an upfront balance transfer fee, usually 1-3% of the balance you're transferring.
- The special interest rate you receive from a balance transfer offer only lasts for a period of time, often ranging from 5 to 24 months. If you haven't paid off your balance by the end of this honeymoon period, your interest rate will revert to a higher rate.
- If you start spending with your new balance transfer card, you will start incurring interest on these purchases from day one as you will already have a balance outstanding and won't be able to take advantage of any interest free days. This means you could end up worsening your debt situation if you're not careful.
- There are usually minimum and maximum amounts that a credit card provider will allow you to transfer to a new card and they usually require that your balance is transferred from a different credit provider.
- Keep in mind that making too many applications for credit can hurt your credit score, regardless of whether your application is approved or declined. (If you don't know your credit score, our partners Credit Savvy can help you check it for free here).
So before applying for a balance transfer card, make sure you've done the sums, read the policy and check that it meets your requirements before applying!
CreditSavvy is a valued 10thousandgirl partner –
check out their website for more information about all things credit.
There has been a lot of discussion in the media recently about volatility in global share markets, however the fact is that periods of market volatility are a fairly normal part of the investment cycle.
While it might seem a strange idea at first, risk is an essential part of investing; it's simply the chance that what a particular investment actually earned (the return), could be less or more than expected.
A low-risk investment can provide the comfort of greater certainty of achieving its targeted return, while higher levels of uncertainty about how an investment will perform, generally means that an investment carries higher risk.
Risk and return
Generally, lower-risk investments are associated with lower returns, while higher-risk investments give the possibility of higher returns.
However, there are no guarantees when it comes to investing. While everyone would like higher returns, not everyone can handle the uncertainty that may come with a riskier investment.
How prepared you are to accept changes in your investment returns — including potential losses — will help you understand what's known as your risk profile, or tolerance.
How much risk are you comfortable with?
Everyone's risk tolerance is different depending on their own personal circumstances and mindset, so think about your risk tolerance before you make your investment choice. Are you the kind of person to lie awake at night worrying about a downturn in the market, or you can comfortably live with some market fluctuation?
So how can you work out your risk profile? Well many super funds provide an online risk profiler or calculator that make is super easy to work out.
These risk profilers can help you to clarify your:
- investment goals and timeframe
- experience level as an investor
- tolerance of a potential short-term fall in the value of your investments
Based on your answers to these questions, the profilers typically will also indicate your investor type.
These investor types can include:
- Cautious — typically invests over a shorter timeframe (three years or less), seeks lower-risk investments and, in exchange, is willing to accept lower returns
- Assertive — generally invests over a five years + timeframe, is prepared to accept some short-term changes in returns, or moderate risk, as seeking slightly higher returns than a cautious investor
- Aggressive — invests over longer-term (10 years or more), more comfortable with short-term fluctuations in investment performance, as aiming for higher long-term returns.
Super funds will typically match the investment options they offer to an investor type, so you can more easily see which option might better suit your personal circumstances.
Before changing your investment strategy, it's worth considering getting advice. HESTA members can access advice — including about their investment strategy — at no extra cost.
It's worth checking with your super fund about what advice they offer. Having a chat to a super expert at your fund can be a great way to get to know more about your investments and what type of investor you are.
Danielle Ludowyke of HESTA will be joining us for a free webinar on superannuation on November 26 2015 Register here to join us!
Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL 235249, the Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. For more information, call 1800 813 327 or visit hesta.com.au for a copy of a Product Disclosure Statement which should be considered when making a decision about HESTA products.
Did you know Australians are over $200 billion ahead in their home loan repayments? Over 70% of home loan payers are actually ahead in their repayments and are in fact more than two years ahead of schedule.
It is often not one reason as to why they are ahead but rather a number of little ways that people accelerate their repayments. Here's some tips so that you too can get on the accelerated home loan wagon and pay off your home loan sooner …. after all, every little bit counts and better in your pocket than the banks!
- Shop Around. If you have an owner occupied property, now is the time to really negotiate a fabulous deal. There are plenty of lenders who are offering variable and fixed rates for under 4%. They key to this though, in order to pay your home loan quicker, when you do refinance is to keep repayments at the original level. As tempting as it may be to have more money in your wallet every month, by having the same repayment at a lower rate, there is more of your repayment actually paying of the principal and not just going towards interest.
- Pay Fortnightly. Paying fortnightly can save you 5-6 years off your home loan. That's right, years. There are 12 months of the year but there are 26 fortnights. By paying fortnightly you are in effect paying 13 months off your home loan every year. The savings over the life of the loan is between $40,000 – $50,000!
- Pay an extra $10 / week extra off your home loan. On a $500,000 home loan and at a rate of 4.5% by paying just $10 / week extra, you can shave 12 months off your home loan and save you just over $15,000 in interest.
- Don't reduce your home loan repayment when the RBA reduces the cash rate. If you maintain your repayment at the original level when your loan commenced it has two positive effects on your home loan. Firstly, you are paying off more principal on your home loan but secondly when rates actually rise again, you will not notice any repayment increase or pain. For example: If your $500,000 home loan 3 years ago was 5.5% with a repayment of $2,839 (interest component is $2,292) and if your rate is now 4.09% the interest component has reduced to $1,704. By maintaining the $2,839 repayment, you will then be paying off $1,135 / month off your home loan. If you paid an extra $1,135 / month off your home loan every month form year three for the life of the loan, you would save a whopping 12 years off your mortgage and $150,000 in interest alone!
- Use an offset account to reduce the interest you pay. Interest is calculated daily and charged monthly. For every single day that you have money sitting in your offset account you are reducing the interest you pay. This requires a little more discipline – no impulsive spending allowed here! If you have $10,000 in your offset account you could be saving yourself just over $30 / month in interest on a $500,000 home loan. $30 / month extra in repayments is a further 8 months off your home loan and $9,280 interest savings.
A combination of a few little things can certainly help you achieve greatness. See what you can do to get your home loan down!
Nicole Cannon is one of the fabulous advisers listed in our Lil Black Book; if you are thinking about a new mortgage or refinancing, drop her a line!
Do you feel like you've got a handle on the basics of budgeting and now want to get savvy with your money. Really savvy? Like, investing in stocks and shares, savvy? Not sure quite where to start? Well, you're not alone!
This is our Beginners Guide to stocks and shares for those of you who are ready to take that leap into this whole new world.
This video explains the basics behind investing in shares. Our ASX experts share insights into when, why and how you might use shares to form part of a diversified investment portfolio, where to find further information and what to look out for.
What are shares?
When you buy shares in a company, you are buying a part of that company. This means you share in the company's performance in the form of profits which can be given to you as dividends and/or capital growth through the value of your shares increasing. Companies generally list on the stock exchange to raise capital for their company and to create a market in their shares. Companies you invest in benefit by using your money and that of other investors to finance their business or its expansion, without having to borrow money.
Shares are an important part of an investment strategy. Being good at investing in shares is about being informed, monitoring your share's performance on a regular basis, keeping an eye on your goals and investment strategy and participating in ongoing education as you need it. Shares may also be referred to as stocks, securities or equities.
What are the Risks and Benefits?
Investing in shares will make you part-owner of a business. Shares can be a sound long-term investment to build wealth over time but are very risky to use in the hope of making a quick buck.
Before you invest in shares, you should understand the benefits and risks, think carefully about your options and seek financial advice before you enter the market.
The benefits of investing in shares are:
- Potential capital gains from owning an asset that can grow in value over time
- Potential income from dividends
- Lower tax rates on long-term capital gains
The risks of investing in shares are:
- Share prices for a company can fall dramatically, even to zero
- If the company goes broke, you are the last in line to be paid, so you may not get your money back
- The value of your shares will go up and down from month to month, and the dividend may vary
Can I Borrow To Invest In Shares? Margin Loans Explained
A margin loan allows you to borrow money to invest. The margin loan is secured against the investment you make with it and/or other investments you have. You're not allowed to borrow the full amount of your investments but just a percentage called the LVR – Loan to value ratio. This is usually between 30% and 70% of the value of your investment in shares or managed funds.
Using a margin loan, or borrowing to invest, can be a very effective strategy to build your wealth, but it's not for everyone. You need to have excess income, be a savvy investor and happy to take risks. Because you've more money to invest, your investment gets a 'turbo boost' and gains are magnified. But if your investment loses money, losses are magnified too. Not only have you made a loss but you still have to pay back the loan. Be aware of borrowing to invest in a volatile share market environment, get financial advice and have a strategy in place for meeting a margin call.
Flick through the ASX Investing in Shares Booklet. With a friend or in your GIG or online Money Makeover group, discuss shares. Use the points below as conversation sparks.
Approach – how and where to start
- How much is a minimum amount needed to start investing in shares?
- What online trading platforms exist? How do they work? eg. CommSec, E-E*trade, nabtrade…
- What is trading? What kinds of trading is there? eg. define 'day trading', 'options trading'
- What is the difference between 'trading' and 'investing?'
- When is a good time to invest in shares?
- How much does it cost to start? Online fees, full service brokerage fees
- Why would you sell?
Discuss the following terms:
- International vs Australian shares
- Employee buy-in schemes
- Reinvesting dividends (pros, cons, how to's)
- 'Set and forget'
What does a share trading success story look like? Think about good and bad attitudes and behaviours.
Want to learn more about ethical investing? Click here for a guide.
Want to entirely transform your finances? We can help you.
Learn online with a group of fun and intelligent women just like you! Click here!
We all know the benefits of goal setting – focus, clarity and hopefully, success.
Yet the real benefits of setting financial goals go well beyond the increased chance of achieving them.
Benefit #1: Helps to Review Your Here and Now.
The first thing that financial goal setting does is allow us to review where we are now.
Many of us feel uncomfortable, apathetic or not in control of our financial affairs. When this happens we tend to avoid opening the bank statements or reading the pay slip. When we set a financial goal around debt repayment or saving for a particular item, it gives us an added incentive to get to grips with what we earn, what we spend, what we have and what we owe. This process also tends to highlight to us what we don't know and give us the opportunity to fill in some gaps. When it comes to finances information is power.
Benefit #2: Focusing on your Priorities
The second benefit is about focusing on our priorities. Few of us have simple wants and desires. Chances are you want to work less, earn more, have more, owe less, be carefree spending more today and have peace of mind that you'll have everything you need tomorrow.
The act of goal setting gives us the opportunity to be realistic about we can achieve and to prioritise those wants and needs.
When you are feeling overwhelmed one of the most powerful things you can do is take a paper and pencil and write down everything you want. You write and write and write until there is no room left, until you can't squeeze anything more from your head and onto the paper. By seeing these things written down, you have a visual representation of the hidden expectations you carry around. You can then acknowledge that it's not realistic to have them all, or to have them all now. What you can do is pick one or two of the most important wants and work towards those. Focusing on a couple of goals instead of a lengthy list will make you more likely to achieve them and reduce the chance of getting discouraged and giving up.
Benefit #3: Managing Regret
The third benefit of goals is about managing regret. When you pursue one goal, chances are you are giving up (or delaying) the opportunity to achieve another. You've decided to focus on getting out of debt and that has meant you've said no to the weekend away with your girlfriends. Or you've decided to further your career prospect through further training, but that's delayed your ability to save for your deposit. We will always get moments of regret and longing for things we wish we had done or not done. But knowing that your choices are furthering your chosen financial goals will help you deal with the downside.
Benefit #4: Learn New Skills
The fourth benefit are the invaluable skills, knowledge and habits you gain, that will percolate throughout other aspects of your life. The experience of negotiating with your bank to consolidate your credit card debt might come in handy when having to raise difficult conversations at work. Getting your superannuation sorted by understanding fees and investment options may help you be more confident and informed when going to apply for a home loan.
The act of budgeting and managing your spending may make you more mindful of social justice issues as well as the environment impacts of consumption.
The final word goes to Henry David Thoreau, an American author and philosopher of the 1800s who shared with us this wisdom:
'What you get by achieving your goals is not as important as what you become by achieving your goals.'
About Rhiannon Robinson:
Rhiannon is one of 10thousandgirl's Trusted Advisors. You can find out more about her, here.
Let us Help You Transform your Finances!
Hi, My name is Veronica! I am a happy mama of three, a freelance voice and performance coach, a small business owner and now debt free and well on our way to saving for our first property.
My husband and I welcomed our lovely children in our early 20's, and being young meant that our careers were yet to blossom, we lacked the discipline it takes to grow financially and needless to say, we hadn't a clue how to budget! We were limited financially and ideally, my husband and I should have taken on full time jobs in order to support our family. But I had dreams of the kind of parent I wanted to be. I wanted to earn a living without compromising the time I wanted to spend raising my young ones and the same went for my husband. Simply put, we wanted to be there while our children were small and this took priority over securing our careers. We knew that in order to maintain that lifestyle, we had to work as freelance parents.
I was working and studying as a singer and musician and instantly fell in love with teaching. This worked very well for me, not only because I loved it, but also because I was able to work from home, often after bedtimes or at nap times. Over 11 years, I have since grown my home studio into a small business in Canada Bay, with four teaching staff and a small musical community of over 100 students. I now earn a passive income on top of my freelance work, which is wonderful, and the feeling of contributing to the young people around my community is priceless. However the path to get here has not been easy. Raising small children on two freelance incomes in Sydney was a week-to-week ordeal. We were using credit to live, paying things off when we could, only to use it again when a 'big bill' would come in the mail. This really spiralled us into a pretty dark place financially, which was not too friendly on our marriage to say the least! I do believe in hindsight that the more in debt we got into, the more nonchalant we became with our spending. Getting out of debt was not a priority however I also knew deep down that our financial worries would be temporary. Children grow, start school, and with that, I knew I would have more time available to work and when that time did come, our finances became a lot more stable.
# 1: Treat your debt with a positive mindset and with gratitude
This is a concept I learned from financial author/motivator, Suze Orman. It was not until I wrapped my head around the concept of respecting money and treating our debts with respect that our debt started to decrease. I think that for young families, money is sentimental. It means nourishment for our children, warm clothes, a trip to the zoo. I began to 'thank' the money that would come in, no matter how small. If I found a five cent piece on the floor, I thanked it. I changed our banking password to words of gratitude. I wrote 'Thank you for this money' on the underside of my wallet. I also wrote a huge 'thank you for our debts' manifesto and stuck it to my dresser in order to remind me that this borrowed money saved our family out of some desperate situations (and one overseas holiday, which we thoroughly, guiltfully enjoyed!). These were a constant reminder to switch my mindset from 'Ugh, not another credit card bill, blegh!' to 'This money is precious, this money represents hours of work and resources, a roof over our heads, a warm blanket in winter, a memorable family event…'.
This is the single most powerful thing we did to change our financial outlook for the better, hands down. When you learn to respect money, treat it like you would a good friend, it returns the favour! When you respect that your debts are there because a little plastic card came to your rescue during a tough period in your life, it makes it easier to be humble, to stop treating debt with such negativity and to switch your mindset to one of gratitude. It is so much easier to get on with the task of getting rid of the debt when it is not such an emotional chore to do so.
# 2: Make more money
It is very difficult (impossible) to get out of debt when there isn't enough surplus to increase your minimum payments. We worked very hard to increase our freelance income and set our careers towards a brighter trajectory. My husband worked overtime, while I worked every available moment on my business. I saw clients during school hours, after bed time hours and Saturdays, and worked on my business presence and admin late at night. I also loved making extra (tax-free!) income by selling things on eBay and having frequent garage sales. When you treat it like a game, it can be a ton of fun! There are many avenues to make extra money. I wish that fiverr.com or Airtasker were around a few years ago, as I most definitely would have used those websites to drum up extra cash!
# 3: Decrease spending
What we've learned is that with some preparation and organisation, decreasing spending is actually very easy.
- Food is the biggest expense for a family, so learning how to cook nice meals, stocking a freezer and eating healthily means less expensive packaged food (and is better for you too). Making menu plans and freezing food after a cook up with the kids saves hundreds of dollars a month and is a great way to spend time with young children.
- Holding BBQ's with friends at home instead of going out.
- Shopped (and still shop) at Aldi and fresh food/fruit markets as much as we could…you really notice a difference in price!
- Negotiated our credit card interest rates down and calling them often to bargain them down even more.
- Use a pre-paid phone sim (Amaysim is the cheapest and the best!)
- Buying second hand where we can (having a love of vintage old things helps!)
- I also make my own 'cheapskates.com' laundry powder!
- Use very cheap and simple cleaning items such as vinegar, baking soda, lavender and dish liquid.
# 4: Have a money date
As a couple, we changed the way we discussed about money (see #1), and now at every 'pay day', we pour a glass of red, sit in front of the telly, and casually chat about where our money is going that week. I vowed to make it simple and easy. Sometimes the candles even come out! It makes the chore of discussing money into something special. Having a money date is so important as it means we can keep a close eye on where funds are going but also celebrate each time we paid a chunk off our debts. As our statements became smaller and smaller, our money dates became a lot more fun and our confidence and excitement grew, but at the beginning it was not easy and if other couples are in the same predicament, expect a few bad nights (more wine!). It is not nice seeing a chunk of your hard earned money go towards debt, however, remind yourself that when in debt, there are only two choices: Pay it off now, or keep paying forever. They are two sources of pain, yes, but at least one has a happy ending! It won't disappear on its own!
# 5: Budget to zero and use cash for general living expenses
We have a very conservative budget and take all of our general living expenses (such as groceries, petrol and fun money) out in cash. No cash, means no spending! We then allocate the remaining funds into a high interest savings account (at the moment, RAMS have a very good high interest savings account) and other bills are paid online until there is zero left. Our electricity and gas bills are paid in increments every week, so that we never have to pay a large bill. When we were in debt, what now goes into savings went to our debt, where we paid off the highest interest rate debt first, and then 'snowballed' to the next debt. Anytime we had a windfall (such as a tax refund or a big eBay clear out!), we would use the money towards debt. After two years, we paid off 4 credit cards, one personal loan and one car loan!
# 6: Read books and blogs about finance and/or business
Getting educated about money is inspiring, motivating and just makes sense. Unfortunately, being financially responsible is not a skill you learn at school! There are so many tips and tricks from people that I have picked up along the way. Obviously, 10thousandgirl is a blog to trawl through! Suze Orman's 'The courage to be rich' was a game changer for me. We are now able to finally plan our future and are vigorously saving, which is quite easy as we're so used to living within a small budget. Although we're no longer as strict on our budget (we allow the odd un-budgeted spend and do it guilt free). We hope to purchase our first property within the next 12 months, expand my business even further within the next 3 years and are now able to plan for our future without a large debt to hold us back. It is worth every ounce of discipline and hard work!
Let us empower you to take control of your finances!
Preparing a budget can help you get on track to reach your financial goals. Knowing you're spending within your limits can also remove a lot of stress from your life. Being in control means you can enjoy that occasional splurge without the guilt.
So, how do you get your budget in order?
- Gather your financial records for an entire year. It's best to look at the whole year since expenses and income can vary a lot. Helpful documents can include bank statements, credit card bills, mobile bills and payroll documents.
- Find a tool to use. You can create a simple spreadsheet, or have a look at some of the budget tools on websites like Moneysmart.gov.au.
- Start with income: include all the money you've been paid over the past 12 months to understand your annual earnings.
- Add up all of your expenses by category: housing expenses, insurance, taxes, groceries, going out, shopping, petrol and commuting, medical, children, vacations and any other major categories. Using categories makes it easier to see the patterns.
- Estimate what you'll earn over the next 12 months by month based on the past year, and by thinking about any changes such as raises or changes in hours.
- Project your expenses honestly for each month. Don't assume you'll spend less than in the past less unless you have a clear way to make that happen.
- Subtract expenses from income to look at your net inflow or outflow for each of the next 12 months. From that, set yourself a reasonable, achievable savings goal for each month. Write this down at the bottom for each month!
- Print out your budget and keep it in a safe place. At the end of each month, take a look and compare to reality. If you've reach your savings goal, give youself a major high-five! If it's not working the way it should, set yourself some specific goals to change your behaviour and spending and get back on track the next month.
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If you have your Candida under control you may still have low energy, mind fog or depression. Having a Candida overgrowth is very taxing on your body – like walking through deep mud. It wears you down and depletes your adrenal and/or thyroid glands. These tiny glands can affect you much more than you would imagine.
To the Rescue!
There is a company called Herb Pharm (most health food stores) that makes herbal preparations that can be quite helpful for this. If you have a natural healing person to go to you could have yourself tested for these two things; adrenals or thyroid. We recommend using someone who has experience with this kind of thing and who will help you pinpoint if it is one of them that needs help. Chiropractors, N.D.'s or other natural healers with experience often know about this.
If you don't have those kind of people around to help diagnose you here is what you might try. First, I would recommend getting the Adrenal Support Tonic by Herb Pharm. It will either help or not, but it won't hurt.
If your adrenals are worn out you will feel better almost the first day of using this tonic. After about a week you can probably stop using it and then just use it when you're feeling worn down.
One other product Marti likes is called Shizandra Adrenal Complex by Planetary Herbals. It is of Chinese origin and can be found in health food stores.
A trickier thing we have found is dealing with the thyroid. Our own healer who is a student of oriental Shiatsu diagnosis and Macrobiotics has just learned something he feels is very new about helping the thyroid. That if your thyroid is either Hypo (underactive) or Hyper (overactive) it is good to take the tinctures for both conditions together.
Bladderwrack is for Hypothyroid.
Bugleweed Motherwort is for Hyperthyroid.
(Yes, I know it sounds like witchcraft with the names of the herbs but what can you do? That's what they're called.)
I found my head clear up so nicely with this program. It made a huge difference.
We took: 20 drops of each in the am. Then 20 drops of each again in the early afternoon. Somehow supporting the thyroid from both ends like this just seems to work. If you find yourself waking up in the wee hours of morning you need to either; take more Bugleweed Motherwort before bed. Or start cutting back on the amount of Nettle Bladderwrack in the afternoon or even in the morning. Finding the right balance takes a little time and will even change over time as the thyroid gets balanced and starts working better.
The thyroid can also be much more severely compromised than can be handled by these 2 herbal combinations and sometimes needs medical attention. So keep that in mind. We are not doctors here, just sharing what has worked for us over the years.
One other natural treatment for these glands comes from a company called Standard Process Laboratories. We learned about this in one of Dr. David Williams issues of Alternatives (April 2008, Volume 12, No. 10) These compounds are usually based on bovine (cow) glands. For adrenals the product is called Drenamin. For the thyroid the product is Thytrophin PMG.These products can be found at a good Chiropractor's office. Follow the directions on the bottle.


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Filming Updates:
- How do you remember Dumb and Dumber's Harry and Lloyd? Because Dumb and Dumber To has been shooting in
Rhode Island Cabbagetown, as promised, (Pearl Street and Kirkwood Avenue, specifically) and we now have photos of the pair, more than a decade later.
We're Back!!! #DumbTo pic.twitter.com/u2u42yM2hk
- Jeff Daniels (@Jeff_Daniels) September 24, 2013
- Daniels was at Stats downtown, so I guess he eats more than just chewing gum. Co-star Carrey has been out/about running in midtown.
- ICYMI, Jennifer Lawrence has been all over the Buckhead restauranti; she is, reportedly, charming. The paparazzi have been all over her and her cast mates; Liam Hemsworth, apparently, is a Yankees fan.
- F&F needs a 9-to-11-year-old version of Vin Diesel. Your kid (or you, if you're a child who is reading this) may get a haircut. Gotta be "ethically ambiguous." Email info + photos to firstname.lastname@example.com with the subject line "Young Dominic."
- Mockingjay needs men and women with medical staff experience (ages 25-plus) for Oct. 9-10.; men and women who are white and pale who don't mind shaving their heads, for Oct. 11-Nov. 1; and the film still needs you if "you" are thin and/or have had an amputation, for Oct. 9-10.. Email info + photos to firstname.lastname@example.com; put "MEDICAL STAFF," "COMMAND CENTER CORE" or "REBELLION VICTIMS" in the subject line, depending. They also need, like, everyone else.
- The Originals needs a 5 or 6-year-old girl (who can "ACT") to play a gypsy for work next Thursday.
- Need for Speed, which looks otherwise terrible but stars Aaron Paul, debuted its first trailer. The film shot in middle Georgia earlier this year.
- Jennifer Brett wonders for all/none of us: will Kim follow Kanye back to Atlanta in December?
Have any tips? Sightings? Encounters? Pictures? Filming news? We need 'em! Drop me a line: email@example.com; or send me a tweet @acarlson91 (don't forget to use the hashtag #ATLwood).
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Reviews for this FedEx Office Print & Ship Center7/26/2016Sienna is always real nice to me when I ask for help making blueprints you guys changed your machine recently and I had no idea how to use… Read more7/26/2016Good advice and friendly. Read more7/24/2016Sienna took the time to explain everything I needed to know. She did an amazing job today. Read more7/17/2016I came in Sunday morning with a large print job for a memorial service for my mother in law. I was met with a nice greeting and was helped… Read more7/13/2016Sienna was very friendly and answered all of my questions. From the point of me walking in to the point of me leaving she was able to take… Read more7/3/2016I forgot her name but she provided excellent customer service! She was extremely helpful with helping me find a size for my flyers that I… Read more6/27/2016I walked in and Sienna immediately asked me how I was and what she could help me with. I was greeted by several other employees also. Sienna… Read more6/25/2016David is amazing at what he does with printing canvas photos and editing. Also, Sienna was a tremendous help! Great teamwork! I will be… Read more6/20/2016I brought in 30 presentations late Saturday evening for completion before 7:00 am on Monday. This team exceeded my expectations by having… Read more6/20/2016I want to express my extreme gratitude and awe at the expertise, customer service, and sheer niceness of the Fed Ex Store in Visalia. We are… Read more6/18/2016Anthony was very helpful with printing and providing a sample of shower invitations I needed. He was very patient and respectful. Read more6/16/2016The team members at this location went above and beyond to help me get my order out. They were able to help solve the problems that came up,… Read more6/14/2016Kaylee H. Was very helpful throughout this visit. She is very good at multitasking she helped 3 other customers in a well timely manner. She… Read more6/13/2016Unfortunately, I do not recall the name of the team member. But during my last two visits to FedEx-Kinkos office in Visalia, CA; I have had… Read more6/8/2016I had wonderful service from a lady named Sienna! Thank you!. Read more6/1/2016I got the worst experience in Tulare and was worried this place would be the same but I will travel 10 min to come here instead of Tulare,… Read more5/31/2016Jordan and Carlos have helped me out so much by going above and beyond with my projects. Making sure everything was exactly what I wanted.… Read more5/31/2016Great consumer service regardless of the amount of staff there. I go here a lot and no matter what I'm never disappointed. Read more5/31/2016Carlos is awesome. Read more5/31/2016I love Jordan! He has helped me so much and this store will not, I repeat, will not survive without him!!. Read more
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1 thru 10 of 8533 Stories
Second Former Ole Miss Student Sentenced in Statue Vandalism
A former University of Mississippi student was sentenced Thursday to a year's probation plus 50 hours of community service for placing a noose on the statue of the school's first black student.
WNBA Fines 3 Teams, Players for Shirts in Wake of Shootings
The WNBA has fined the Indiana Fever, New York Liberty and Phoenix Mercury and their players for wearing black warm up shirts in the wake of recent shootings by and against police officers.
Chipotle Pulls Out the Stops to Win Back Customers
Chipotle saw a smaller drop in sales as it tries to win back customers, but the company says it doesn't know how long it will take to fully recover after an E. coli outbreak and norovirus cases last fall.
Ask Brianna: How Should I Spend My First Full-Time Paycheck?
"Ask Brianna" is a Q&A column for 20-somethings, or anyone else starting out. I'm here to help you manage your money, find a job and pay off student loans - all the real-world stuff no one taught us how to do in college.
Uruguay Marijuana Growers Compete in Cannabis Cup
Uruguay is home to the world's first government-regulated national marketplace for pot, so it's not surprising that growers have a competition for best marijuana.
Should Schools Punish in Sex Cases When There's No Accuser?
When it comes to claims of sexual assault, schools can mete out punishment even in the absence of a complaint from the alleged victim.
Lap Dance Proceeds Will Support West Virginia Flood Relief
The Blue Parrot Cabaret club in Morgantown is offering the lap dances for charity from Wednesday through Saturday. The club plans to donate portions of the proceeds for flood relief efforts in hard-hit southern West Virginia.
More U.S. Schools Accused of Denying Education to Immigrants
Civil rights lawyers have sued a third U.S. school district over what they call a practice of denying older refugee and immigrant students a meaningful education by steering them to alternative high schools.
Roger Ailes Out As Head of Fox News, Fox Business
Roger Ailes is out as chief executive at Fox News Channel and Fox Business, his career at the networks he built from scratch and ran with an iron hand for nearly 20 years
Feds Say Health Mergers Would Increase Costs, Threaten Care
Federal regulators are suing to stop two major health insurance mergers because they say the deals will increase health care costs for Americans and lower the quality of care they get.
1 thru 10 of 8533 Stories


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- In a city that hasn't seen significant snowfall in years, Wednesday's snow day almost had a nostalgic air at one of the District's best hills for sledding: Fort Reno. (Note: This video was shot using the "8mm" iPhone effect app.) ()


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Website optimization with web metrics: a case study
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Birgit Weischedel
Kelowna, BC, Canada
Eelko K. R. E. Huizingh
University of Groningen, AV Groningen, The Netherlands
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Search engine optimization
Search engine optimization (SEO) is the process of improving the visibility of a website or a web page in search engines' "natural," or un-paid, search results. In general, the earlier (or higher ranked on the search results page), and more frequently a site appears in the search results list, the more visitors it will receive from the search engine's users.
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World Wide Web
The World Wide Web (abbreviated as WWW or W3, commonly known as the Web, or the "Information Superhighway"), is a system of interlinked hypertext documents accessed via the Internet. With a web browser, one can view web pages that may contain text, images, videos, and other multimedia, and navigate between them via hyperlinks.
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Mathematical optimization
In mathematics, computer science, or management science, mathematical optimization (alternatively, optimization or mathematical programming) refers to the selection of a best element from some set of available alternatives. In the simplest case, an optimization problem consists of maximizing or minimizing a real function by systematically choosing input values from within an allowed set and computing the value of the function.
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A server log is a log file (or several files) automatically created and maintained by a server of activity performed by it. A typical example is a web server log which maintains a history of page requests. The W3C maintains a standard format for web server log files, but other proprietary formats exist. More recent entries are typically appended to the end of the file.
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A clickstream is the recording of the parts of the screen a computer user clicks on while web browsing or using another software application. As the user clicks anywhere in the webpage or application, the action is logged on a client or inside the web server, as well as possibly the web browser, router, proxy server or ad server. Clickstream analysis is useful for web activity analysis, software testing, market research, and for analyzing employee productivity.
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Qualitative research is a method of inquiry employed in many different academic disciplines, traditionally in the social sciences, but also in market research and further contexts. Qualitative researchers aim to gather an in-depth understanding of human behavior and the reasons that govern such behavior. The qualitative method investigates the why and how of decision making, not just what, where, when. Hence, smaller but focused samples are more often needed than large samples.
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The jury in the Jayden Parkinson murder trial has been sent home for the day.
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Matthew Gregory Kuchar (born June 21, 1978) is an American professional golfer who plays on the PGA Tour and formerly the Nationwide Tour. He has won seven times on the PGA Tour, with these wins spanning over 12 years. He briefly enjoyed success in t...he early 2000s before suffering a slump where he struggled to maintain his playing status on the PGA Tour. He rejuvenated himself and built a new, one-plane swing from 2008 onward leading to improved results. He is renowned as one of the most consistent players on the tour, having earned close to $15 million in prize money and recorded 30 top-10 finishes between 2009-2012. This included finishing as the PGA Tour's leading money winner in 2010.
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Atlantic City police fatally shot an armed suspect outside the Stanley Holmes Village apartment complex Monday afternoon following a brief chase, authorities said.
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